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Business Insurance for Food Wholesalers

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Wholesale food distributors often deal in perishable goods with tight deadlines. If there's a delay or an accident, insurance coverage can be the factor that keeps your business afloat.

Boxes of watermelons and oranges in a warehouse.

Save money with Insureon

Insureon helps food wholesalers save money by comparing quotes for policies that match their risks. Fill out Insureon's easy online application to get started.

What types of insurance do food and beverage wholesalers need?

These insurance policies cover common risks faced by food distributors.

General liability insurance

Commercial general liability insurance covers basic risks, such as customer property damage and injuries. Bundle with commercial property insurance for savings in a BOP.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Product liability insurance

Workers’ compensation insurance

Most states require workers' comp for food distribution businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical costs
Partial missed wages
Employee bodily injury lawsuits

Business owner’s policy

A BOP bundles general liability insurance with commercial property coverage in one plan. It's often the most cost-effective small business insurance for food and beverage wholesalers.

BEST FOR

Customer injuries
Inventory damage or theft
Business interruption incidents

Commercial umbrella insurance

Commercial umbrella insurance boosts the liability coverage on your general liability insurance, commercial auto insurance, and employer’s liability insurance policies.

BEST FOR

Customer injury lawsuits
Customer property damage lawsuits
Employee injury lawsuits

Commercial auto insurance

Business auto insurance for food and beverage wholesalers can pay for property damage and injuries in an accident. It can also cover vehicle theft and vandalism.

BEST FOR

Vehicle accidents
Vandalism and theft
Weather damage

Surety bonds

Surety bonds guarantee that an insurance company will reimburse a client if a food and beverage wholesaler fails to deliver products or fulfill the terms of a contract.

BEST FOR

Failure to deliver products
Contract disputes
Shipping delays

Looking for different coverage? See more policies.

Why do food and beverage wholesalers need insurance?

Buying, storing, and selling food and beverages in bulk involves unique risks. A fire or power outage could destroy your inventory and provide a major setback to a small wholesaler. Insurance for food distributors kicks in when disaster strikes and helps your business recover quickly from lawsuits, property damage, and other incidents.

How much does insurance cost for wholesalers?

Woman calculating wholesale costs with cargo, truck, and people.

Several factors will have an impact on insurance costs, including:

Food products and services offered
Business equipment and property
Business income
Location
Number of employees

View Costs

What our customers are saying

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